Car Insurance in Corpus Christi
Premiums in Corpus Christi are relatively similar to Texas' rates, as its premiums are within $42 of the state average. Let’s take a look at how to save on car insurance in Corpus Christi.
- City Average: $1,768
- State Average: $1,810
- National Average: $1,427
Corpus Christi Car Insurance by Gender and Marital Status
Both marital status and gender are among the various driver characteristics that play a role in car insurance premiums in Corpus Christi. However, premiums are barely cheaper for women than for men. Women generally pay $10 less than men each year for insurance. Believe it or not, marital status has a substantial impact on premiums. You can save approximately 10% per year if you're married as opposed to single. Rates for those who are widowed are also strikingly cheaper than rates for those who are single.
- Female: $1,758
- Male: $1,768
- Single: $1,768
- Married: $1,598
- Divorced: $1,768
- Widowed: $1,595
Corpus Christi Car Insurance by Age
Among all age groups, drivers in their 50s have the smallest insurance rates, with rates of $1,515. However, those in their 60s ($1,582) also have relatively low premiums. Car insurance premiums are highest for teenage drivers, with average payments of $5,621 per year. The greatest decline in premiums between any age group is from the teenage age range to the 20s, as drivers in Corpus Christi start saving an average of 62% on car insurance. Car insurance premiums for drivers continue to decrease through their 50s, but they can expect to pay more when they hit 60.
- Teenagers: $5,621
- 20s: $2,129
- 30s: $1,742
- 40s: $1,692
- 50s: $1,515
- 60s: $1,582
- 70s: $1,959
Corpus Christi Car Insurance by Credit Rating
The difference between average car insurance premiums in Corpus Christi for those with Exceptional credit (800-850) and Very Poor credit (300-579) is $1,604/year. The most significant benefit of better credit occurs when rising from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of $364 per year.
- Very Poor: $3,067
- Fair: $2,601
- Good: $2,163
- Very Good: $1,827
- Exceptional: $1,463
Corpus Christi Car Insurance by Accident or Violation History
Do you realize how much an accident or violation on your record can cost you in terms of car insurance premiums? No one plans on being in an accident, but things happen, so be aware of the effect one can have on your rates. For those in Corpus Christi with at-fault accidents, $872 is the increase that can be expected to annual insurance premiums. In Corpus Christi, drivers with a DUI have rates 41% higher than the city average ($1,768). Reckless driving will bump your rates up as well, with typical rates of $2,430. That is 37% higher than the city average.
- DUI: $2,487
- Reckless Driving: $2,430
- At-fault Accident (damages less than $1000): $2,640
- At-fault Accident (damages greater than $2000): $2,640
- Speeding Ticket (16-20 mph over speed limit): $1,839
What drives up car insurance rates in Corpus Christi?
Where you live in Corpus Christi affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Corpus Christi is no exception to the rule. From zip code 78404 to 78401, premiums rise by 10 percent—that’s $141.
Expensive Corpus Christi Zip Codes: 78416, 78414, 78409, 78419, 78401
Cheap Corpus Christi Zip Codes: 78404, 78411, 78406, 78413, 78407
Corpus Christi Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Corpus Christi, you can expect 55 rainy days with an annual rainfall of 29 inches. Corpus Christi is also known to experience thunderstorms and flash floods. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Corpus Christi Agents
Carlisle Insurance Agency Inc
500 North Water #900 Corpus Christi, TX 78471
Kingsbury Agency Insurance
3038 S Alameda St Corpus Christi, TX 78404
Swantner & Gordon Insurance Agency, LLC
500 N Shoreline Ste 1200 Corpus Christi, TX 78471
210 S Carancahua St Corpus Christi, TX 78401
Keetch & Associates
1718 Santa Fe Corpus Christi, TX 78404
Moore Insurance Agency
500 N Water St. Corpus Christi, TX 78401
4925 Everhart Rd Ste 112 Corpus Christi, TX 78411
The average Corpus Christi resident's annual cost of coverage
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Corpus Christi Car Insurance
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